USD.AI (USDai) stablecoin analytics
USDai is USD.AI's non-yielding base dollar, minted 1:1 from USDC/USDT and separately stakeable into sUSDai for GPU-loan yield.
Static Profile
Static stablecoin profile
USD.AI (USDai) static profile: governance model CeFi-Dependent; backing model Real-World Asset Backed; peg US Dollar.
AI summary / Updated May 18, 2026
USDai is the liquid, non-yielding side of USD.AI: a fully backed synthetic dollar minted from USDC or USDT and redeemable for supported stablecoins. The GPU-credit yield exposure belongs to sUSDai, not base USDai holders.
AI summary · drafted by codex-stablecoin-review · reviewed by Codex data review on May 18, 2026 · facts as of May 18, 2026
- Collateral
- USDai is the non-yielding base token of USD.AI, currently backed 1:1 by PayPal's PYUSD stablecoin held in the USDai contract (live proof-of-reserves shows the entire base reserve is PYUSD on Arbitrum). USDC/USDT serve as retail deposit and secondary-market exit currencies, not the reserve asset. Yield and GPU-collateralized loan exposure accrue to staked sUSDai, not to base USDai.
- Peg Mechanism
- USDai is minted and redeemed 1:1 against its PYUSD reserve via the contract deposit()/withdraw() functions; direct mint/redeem is KYC-gated to whitelisted institutions, with no withdrawal queue. Retail users deposit USDC/USDT and can exit via supported currencies. Staking into the yield-bearing sUSDai vault is optional.
- Jurisdiction
- Cayman Islands
- Proof Of Reserves
- Real-Time PoR by USD.AI proof-of-reserves API Reserve source
Snippet Answer
Is USDai safe?
Pharos does not mark USDai as absolutely safe. Static metadata says USD.AI uses a CeFi-Dependent governance model and Real-World Asset Backed backing, with Real-Time PoR from USD.AI proof-of-reserves API; the main caveat is that freeze exposure is inherited through upstream collateral, custody, or wrapper dependencies. Treat the live peg, liquidity, reserve, dependency, and Safety Score sections below as the current risk read.
Next Actions
Exact bot target: /subscribe dews,depeg,safety usdai-usd-ai
Source: checked-in StablecoinMeta profile fields. Live price, supply, reserve, liquidity, event, and safety data load in the interactive dossier below; the summary above was last updated May 18, 2026.
USDai quick answers
What is USD.AI (USDai)?
USDai is USD.AI's non-yielding base dollar, minted 1:1 from USDC/USDT and separately stakeable into sUSDai for GPU-loan yield. The static profile records its US Dollar peg mechanism as: USDai is minted and redeemed 1:1 against its PYUSD reserve via the contract deposit()/withdraw() functions; direct mint/redeem is KYC-gated to whitelisted institutions, with no withdrawal queue. Retail users deposit USDC/USDT and can exit...
What backs USDai?
Pharos classifies USDai backing as Real-World Asset Backed. Collateral, per the static profile: USDai is the non-yielding base token of USD.AI, currently backed 1:1 by PayPal's PYUSD stablecoin held in the USDai contract (live proof-of-reserves shows the entire base reserve is PYUSD on Arbitrum). USDC/USDT serve as retail deposit... Reserve evidence: Real-Time PoR from USD.AI proof-of-reserves API.
Can USDai be frozen or blacklisted?
Based on tracked contract metadata and blacklist coverage, freeze exposure is inherited through upstream collateral, custody, or wrapper dependencies. Live freeze and blacklist events for USDai, when applicable, appear in the dossier below.